Which I don't do and I still get them coming sometimes.Just be aware once operator stars  options to refinance will only be private or  commercial loans tried myself and no luck hard hide is a assisted living with people in it heard of some doing some crazy stuff but hate going illegal on things like this, ended up refi with commercial forget about cash out and such, and you are bound by appraisal as a commercial property which was in our case 25% lower then if we sold it empty as a residential home.

Are any of the people who posted here still investors in southern Illinois?

My expectation is that we will likely only meet the material participation test in 2022 assuming that our renovation work in Q1/Q2 counts.

It's just lending people EMD.

If someone asked me how bad it is, I would indicate different people have different levels of tolerance but the plane noise is loud enough to interrupt conversations.  

Over 46 years in the industry, it’s the people that count the most.

During the refi boom I had people cancel on their lender and switch with me after they had signed closing documents(this was during the 3 day right of rescission for the VA loan) you may incur costs such as the appraisal, but other than that you shouldn’t owe anything to the lender.

MANY people have wishful thinking and do not correct whatever is keeping them from getting a mortgage. 

There are quite a few investors who attend that meeting and usually a few contractors.If you need any other referrals for your team let me know. the people on our team are great at what they do.

I chuckle everytime I see people in real estate want to remain "anonymous" as it is nearly impossible unless you have a boat ton of money to spend on remaining anonymous.